{"id":457,"date":"2018-12-17T09:00:22","date_gmt":"2018-12-17T09:00:22","guid":{"rendered":"https:\/\/altrainsurance.com\/?p=457"},"modified":"2022-09-30T10:19:52","modified_gmt":"2022-09-30T10:19:52","slug":"liability-auto-insurance-definition","status":"publish","type":"post","link":"https:\/\/altrainsurance.com\/es\/liability-auto-insurance-definition\/","title":{"rendered":"What Is Auto Liability Insurance? [ 2020 Updated]"},"content":{"rendered":"

More than 490,000 motor vehicle accidents were reported by the California Department of Transportation in 2016, a figure that suggests more than 1,300 collisions taking place in a single day, which means proof of auto liability insurance is investigated in the Golden State hundreds of times a day. The concept of liability in the auto insurance world refers to the potential damage and injury a driver can cause. Knowing what this feature of <\/span>Seguro de auto en San Diego<\/span><\/a> policies covers is important for drivers who wish to understand what they get in exchange for their premium payments.<\/span><\/p>\n

El riesgo de p\u00e9rdida financiera<\/h2>\n

Operar un veh\u00edculo de motor es un ejercicio de gesti\u00f3n de riesgos. Cada autom\u00f3vil que circula por las autopistas de los Estados Unidos representa un potencial de p\u00e9rdidas financieras que pueden ser causadas por accidentes. Una colisi\u00f3n vial puede resultar en facturas de hospitales, reparaciones de autom\u00f3viles, p\u00e9rdida de ingresos, da\u00f1os a la propiedad y honorarios legales, que son los riesgos contra los que protege el seguro de responsabilidad civil.<\/span><\/p>\n

La cobertura de responsabilidad civil protege a todos los conductores<\/h2>\n

Aunque la cobertura de responsabilidad est\u00e1 destinada a pagar los da\u00f1os y lesiones que pueda causar a otros, la protecci\u00f3n que brinda esta caracter\u00edstica de la pol\u00edtica tambi\u00e9n lo cubre a usted. En California, la cobertura de responsabilidad civil se ve reforzada por disposiciones de automovilistas sin seguro y con seguro insuficiente que protegen en caso de una situaci\u00f3n de golpe y fuga o cuando otros conductores involucrados en accidentes no est\u00e1n adecuadamente asegurados.<\/span><\/p>\n

La cobertura de responsabilidad civil es la ley<\/h2>\n

California es solo uno de los muchos estados que requieren que todos los conductores tengan al menos cobertura de responsabilidad civil, y eso significa comprar <\/span>seguro de auto. San Diego<\/span> los conductores est\u00e1n acostumbrados a presentar prueba de seguro v\u00e1lido porque es un requisito absoluto al renovar las placas de matr\u00edcula y el registro del veh\u00edculo, as\u00ed como al financiar la compra de un autom\u00f3vil nuevo. Conducir sin una p\u00f3liza de seguro de auto con cobertura de responsabilidad m\u00ednima es ilegal en California.<\/span><\/p>\n

Tipos de cobertura de responsabilidad<\/h2>\n

Se ofrecen dos tipos est\u00e1ndar de cobertura de responsabilidad civil de seguro de autom\u00f3vil en cada estado: lesiones corporales y da\u00f1os a la propiedad. Los comisionados de seguros estatales pueden exigir a los conductores que obtengan tipos adicionales de cobertura de responsabilidad civil. Como se mencion\u00f3 anteriormente, las disposiciones legales en California hacen que la cobertura de motorista sin seguro y con seguro insuficiente sea obligatoria para la mayor\u00eda de los conductores. Los reguladores de seguros tambi\u00e9n establecen los l\u00edmites financieros de cobertura basados en estudios de mercado realizados por actuarios.<\/span><\/p>\n

La cobertura de responsabilidad civil es solo una caracter\u00edstica del seguro de autom\u00f3viles<\/h2>\n

Su p\u00f3liza de seguro de auto puede brindarle mucha m\u00e1s protecci\u00f3n que solo cobertura de responsabilidad civil, que en la mayor\u00eda de los casos es la cantidad m\u00ednima de protecci\u00f3n que puede obtener. Esta cobertura no ofrecer\u00e1 protecci\u00f3n para su propio autom\u00f3vil en caso de accidente, y puede no cubrir los gastos legales en una demanda. Si realmente desea sentirse protegido como conductor, debe preguntarle a su agente de seguros sobre opciones de cobertura adicionales y pol\u00edticas integrales que pueden incluir extras, como asistencia en carretera, deducibles cero, l\u00edmites aumentados y cobertura de colisi\u00f3n.<\/span><\/p>\n

San Diego drivers who are looking for reliable & affordable auto insurance National City<\/a> need look no further than Altra Insurance Services. We can satisfy many of your other insurance needs, too. Whether you want homeowners, business, or <\/span>seguro de moto San Diego<\/a>, nuestros agentes experimentados lo ayudar\u00e1n con la cobertura adecuada para usted. Llame hoy a uno de nuestros representantes amistosos al (800) 719-9972 para obtener una cotizaci\u00f3n gratuita.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

More than 490,000 motor vehicle accidents were reported by the California Department of Transportation in 2016, a figure that suggests more than 1,300 collisions taking place in a single day, which means proof of auto liability insurance is investigated in the Golden State hundreds of times a day. The concept of liability in the auto … <\/p>\n

Continue reading “What Is Auto Liability Insurance? [ 2020 Updated]”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":475,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-insurance"],"yoast_head":"\nLearning About Auto Liability Insurance [2020 Update]<\/title>\n<meta name=\"description\" content=\"In car insurance policies, liability coverage deals with damage or injury the policyholder causes. 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